{"product_id":"speech-therapy-clinic-startup-costs","title":"Speech Therapy Clinic Startup Cost: Plan From $183K CAPEX","description":"\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\n\u003cp\u003eThe cost to start a speech therapy clinic in this model begins with at least \u003cstrong\u003e$183,000 in listed CAPEX\u003c\/strong\u003e, led by a $75,000 clinic buildout, $40,000 of therapy equipment, $25,000 of diagnostic kits, $18,000 of IT infrastructure, $15,000 of furniture, and $10,000 of initial marketing and signage That is not the full cash need The first-year staffing plan carries about \u003cstrong\u003e$57,500 per month in payroll\u003c\/strong\u003e, and fixed overhead adds \u003cstrong\u003e$9,900 per month\u003c\/strong\u003e, so a 3-6 month runway adds about \u003cstrong\u003e$202,000-$404,000\u003c\/strong\u003e before deposits, payroll taxes, benefits, debt service, owner draws, or any EHR setup amount not shown in the supplied data A practical opening funding target from these researched assumptions starts around \u003cstrong\u003e$385,000-$587,000+\u003c\/strong\u003e, depending on room count, payer credentialing timing, launch staffing, and collections lag\u003c\/p\u003e\n\n\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eEstimate Startup Costs with Calculator\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-capex-calculator\" aria-label=\"Speech Therapy Clinic Startup CAPEX Calculator\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Startup CAPEX calculator.xlsx\" data-source-site-name=\"Financial Models Lab\" data-source-site-url=\"https:\/\/financialmodelslab.com\" data-source-page-title=\"Speech Therapy Clinic Startup CAPEX Calculator\" data-note-title=\"CAPEX only\" data-note-text=\"This calculator covers capitalized startup assets only: build-out, therapy equipment, diagnostic kits, IT, furniture, and contingency. It excludes payroll runway, rent deposits, insurance premiums, debt service, working capital, inventory, EHR subscriptions, marketing campaigns, and other ongoing operating costs.\"\u003e\u003cdiv class=\"fml-capex-card\"\u003e\n\u003cheader class=\"fml-capex-header\"\u003e\u003cdiv class=\"fml-capex-heading\"\u003e\n\u003cp class=\"fml-capex-eyebrow\"\u003eStartup CAPEX Calculator\u003c\/p\u003e\n\u003cp class=\"fml-capex-intro\"\u003eEstimate capitalized startup assets only for a speech therapy clinic, including build-out, equipment, and a contingency reserve.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-scenarios\" aria-label=\"Scenario presets\"\u003e\n\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"lean\"\u003eLean\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-capex-scenario\" type=\"button\" data-scenario=\"full\"\u003eFull\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-capex-layout\"\u003e\n\u003cform class=\"fml-capex-inputs\"\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eClinic build-out and renovation\u003c\/span\u003e\u003csmall\u003eTreatment rooms, reception, waiting area, and core finish scope.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"clinic_buildout_renovation\" data-capex-kind=\"money\" data-capex-label=\"Clinic build-out and renovation\" data-capex-note=\"Treatment rooms, reception, waiting area, and core finish scope.\" data-lean=\"60000\" data-base=\"75000\" data-full=\"95000\" name=\"clinic_buildout_renovation\" type=\"text\" inputmode=\"numeric\" value=\"75,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eTherapy equipment and devices\u003c\/span\u003e\u003csmall\u003eSpecialized therapy tools, AAC or demo devices, and install needs.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"therapy_equipment_devices\" data-capex-kind=\"money\" data-capex-label=\"Therapy equipment and devices\" data-capex-note=\"Specialized therapy tools, AAC or demo devices, and install needs.\" data-lean=\"30000\" data-base=\"40000\" data-full=\"55000\" name=\"therapy_equipment_devices\" type=\"text\" inputmode=\"numeric\" value=\"40,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eDiagnostic assessment kits\u003c\/span\u003e\u003csmall\u003eStandardized test kits and other durable assessment tools.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"diagnostic_assessment_kits\" data-capex-kind=\"money\" data-capex-label=\"Diagnostic assessment kits\" data-capex-note=\"Standardized test kits and other durable assessment tools.\" data-lean=\"18000\" data-base=\"25000\" data-full=\"32000\" name=\"diagnostic_assessment_kits\" type=\"text\" inputmode=\"numeric\" value=\"25,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eIT infrastructure and computers\u003c\/span\u003e\u003csmall\u003eComputers, tablets, secure network gear, and setup work.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"it_infrastructure_computers\" data-capex-kind=\"money\" data-capex-label=\"IT infrastructure and computers\" data-capex-note=\"Computers, tablets, secure network gear, and setup work.\" data-lean=\"12000\" data-base=\"18000\" data-full=\"24000\" name=\"it_infrastructure_computers\" type=\"text\" inputmode=\"numeric\" value=\"18,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eFurniture and fixtures\u003c\/span\u003e\u003csmall\u003eTherapy room furniture, office furniture, reception setup, and signage install.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-money\"\u003e\n\u003cspan\u003e$\u003c\/span\u003e\u003cinput data-capex-field=\"office_furniture_fixture_setup\" data-capex-kind=\"money\" data-capex-label=\"Furniture and fixtures\" data-capex-note=\"Therapy room furniture, office furniture, reception setup, and signage install.\" data-lean=\"10000\" data-base=\"15000\" data-full=\"22000\" name=\"office_furniture_fixture_setup\" type=\"text\" inputmode=\"numeric\" value=\"15,000\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-row\"\u003e\n\u003clabel class=\"fml-capex-label\"\u003e\u003cspan\u003eContingency Reserve\u003c\/span\u003e\u003csmall\u003eCovers scope creep, price swings, and install overruns on CAPEX items only.\u003c\/small\u003e\u003c\/label\u003e\u003cdiv class=\"fml-capex-percent\"\u003e\n\u003cinput data-capex-field=\"contingency_reserve\" data-capex-kind=\"percent\" name=\"contingency_reserve\" type=\"range\" min=\"0\" max=\"20\" step=\"1\" data-lean=\"5\" data-base=\"10\" data-full=\"15\" value=\"10\"\u003e\u003coutput data-capex-output=\"contingencyValue\"\u003e10%\u003c\/output\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/form\u003e\n\u003caside class=\"fml-capex-results\" aria-live=\"polite\"\u003e\u003cspan class=\"fml-capex-tag\"\u003eCAPEX total\u003c\/span\u003e\u003cdiv class=\"fml-capex-total\"\u003e\n\u003cspan\u003eTotal startup CAPEX\u003c\/span\u003e\u003cstrong data-capex-output=\"totalCapex\"\u003e$190,300\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdl class=\"fml-capex-result-list\"\u003e\n\u003cdiv\u003e\n\u003cdt\u003eSubtotal before contingency\u003c\/dt\u003e\n\u003cdd data-capex-output=\"subtotal\"\u003e$173,000\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eContingency amount\u003c\/dt\u003e\n\u003cdd data-capex-output=\"contingencyAmount\"\u003e$17,300\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003cdiv\u003e\n\u003cdt\u003eLargest cost driver\u003c\/dt\u003e\n\u003cdd data-capex-output=\"largestDriver\"\u003eClinic build-out and renovation\u003c\/dd\u003e\n\u003c\/div\u003e\n\u003c\/dl\u003e\n\u003cdiv class=\"fml-capex-chart\" aria-label=\"CAPEX cost category breakdown\"\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eBuild-out\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"clinic_buildout_renovation\" style=\"--fml-capex-share: 43%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"clinic_buildout_renovation\"\u003e43%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eTherapy gear\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"therapy_equipment_devices\" style=\"--fml-capex-share: 23%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"therapy_equipment_devices\"\u003e23%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eTest kits\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"diagnostic_assessment_kits\" style=\"--fml-capex-share: 14%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"diagnostic_assessment_kits\"\u003e14%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eIT\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"it_infrastructure_computers\" style=\"--fml-capex-share: 10%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"it_infrastructure_computers\"\u003e10%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-bar-row\"\u003e\n\u003cspan\u003eFurniture\u003c\/span\u003e\u003cdiv\u003e\u003ci data-capex-bar=\"office_furniture_fixture_setup\" style=\"--fml-capex-share: 9%;\"\u003e\u003c\/i\u003e\u003c\/div\u003e\n\u003cb data-capex-share=\"office_furniture_fixture_setup\"\u003e9%\u003c\/b\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-capex-export\" type=\"button\" data-capex-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/aside\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-capex-note\"\u003e\n\u003cspan class=\"fml-capex-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003eCAPEX only\u003c\/strong\u003e This calculator covers capitalized startup assets only: build-out, therapy equipment, diagnostic kits, IT, furniture, and contingency. It excludes payroll runway, rent deposits, insurance premiums, debt service, working capital, inventory, EHR subscriptions, marketing campaigns, and other ongoing operating costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\u003cdiv class=\"container_new_design_blog\"\u003e\n\n\u003cdiv class=\"text-section_blog text-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"line_top_blog\"\u003e\u003cbr\u003e\u003c\/div\u003e\n\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat does the CAPEX tab show?\u003c\/span\u003e\u003c\/h3\u003e\n\n\u003cp\u003eThe \u003ca href=\"\/products\/speech-therapy-clinic-financial-model\"\u003eSpeech Therapy Clinic Financial Model Template\u003c\/a\u003e CAPEX tab shows buildout categories, timing, amounts, and depreciation or amortization. Open it and review assumptions.\u003c\/p\u003e\n\n\u003ch4\u003eKey screenshot highlights\u003c\/h4\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eBuildout and equipment\u003c\/li\u003e\n\u003cli\u003eTiming and vendor quotes\u003c\/li\u003e\n\u003cli\u003eDepreciation and amortization\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003c\/div\u003e\n\n\u003cdiv class=\"image-section_blog image-2_new_design_blog\"\u003e\n\n\u003cdiv class=\"preview-card\" data-preview-src=\"\/cdn\/shop\/files\/speech-therapy-clinic-financial-model-capex-financialmodelslab_c62741c9-558d-44af-806d-d865c25f5e16.webp\"\u003e\n\u003cimg class=\"preview-img\" width=\"100%\" height=\"auto\" src=\"\/cdn\/shop\/files\/speech-therapy-clinic-financial-model-capex-financialmodelslab_c62741c9-558d-44af-806d-d865c25f5e16.webp?width=500\" alt=\"Speech Therapy Clinic Financial Model capex inputs showing capital expenditure categories and customizable timing\/amount fields to model equipment, lease fit-out and startup investments for funding plans\"\u003e\n\u003cdiv class=\"preview-overlay\"\u003e\n\u003cbutton class=\"preview-btn\" type=\"button\" style=\"align-items: center; vertical-align: middle; display: inline-flex; justify-content: center; gap: 6px; line-height: 1;\"\u003e\nPREVIEW \u003csvg fill=\"#fff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\" role=\"presentation\" viewbox=\"0 0 448 512\" width=\"14\"\u003e\u003cpath d=\"M416 176V86.63L246.6 256L416 425.4V336c0-8.844 7.156-16 16-16s16 7.156 16 16v128c0 8.844-7.156 16-16 16h-128c-8.844 0-16-7.156-16-16s7.156-16 16-16h89.38L224 278.6L54.63 448H144C152.8 448 160 455.2 160 464S152.8 480 144 480h-128C7.156 480 0 472.8 0 464v-128C0 327.2 7.156 320 16 320S32 327.2 32 336v89.38L201.4 256L32 86.63V176C32 184.8 24.84 192 16 192S0 184.8 0 176v-128C0 39.16 7.156 32 16 32h128C152.8 32 160 39.16 160 48S152.8 64 144 64H54.63L224 233.4L393.4 64H304C295.2 64 288 56.84 288 48S295.2 32 304 32h128C440.8 32 448 39.16 448 48v128C448 184.8 440.8 192 432 192S416 184.8 416 176z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eWhat drives the cost of opening a speech therapy clinic?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eFor a Speech Therapy Clinic, the biggest cost swing is the \u003cstrong\u003efacility layout\u003c\/strong\u003e: more treatment rooms means more buildout, furniture, therapy materials, IT devices, and sound control. A base source points to \u003cstrong\u003e$75,000\u003c\/strong\u003e for clinic buildout and renovation, \u003cstrong\u003e$15,000\u003c\/strong\u003e for office furniture and decor, and \u003cstrong\u003e$18,000\u003c\/strong\u003e for IT infrastructure and computers, but the final check depends on lease terms and contractor quotes. Child-friendly pediatric rooms need durable waiting areas, toys, storage, and parent seating, while adult neuro services may need different accessibility planning and clinical flow.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eMain cost drivers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eRoom count\u003c\/strong\u003e drives buildout\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSound control\u003c\/strong\u003e adds cost fast\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eADA access\u003c\/strong\u003e can change layout\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLandlord-ready\u003c\/strong\u003e space cuts work\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat changes the bill\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$75,000\u003c\/strong\u003e buildout and renovation source\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$15,000\u003c\/strong\u003e furniture and decor source\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$18,000\u003c\/strong\u003e IT and computers source\u003c\/li\u003e\n\u003cli\u003eLease and contractor quotes set the final cost\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow much does it cost to open a speech therapy clinic?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eOpening a Speech Therapy Clinic starts around \u003cstrong\u003e$385,000-$587,000+\u003c\/strong\u003e for a multi-room clinic, based on \u003cstrong\u003e$183,000+\u003c\/strong\u003e in listed capital expenditures and \u003cstrong\u003e$67,400\/month\u003c\/strong\u003e in payroll plus fixed overhead. Before sizing the budget, define the operating target here: \u003ca href=\"\/blogs\/kpi-metrics\/speech-therapy-clinic\"\u003eWhat Is The Main Goal Of Your Speech Therapy Clinic?\u003c\/a\u003e A small solo speech-language pathologist office should need less because it can avoid a multi-room buildout and a \u003cstrong\u003e6 SLP FTE\u003c\/strong\u003e Year 1 team.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eBase opening budget\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$183,000+\u003c\/strong\u003e listed CAPEX\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$67,400\/month\u003c\/strong\u003e payroll plus overhead\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e3-6 months\u003c\/strong\u003e runway needed\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003e$385,000-$587,000+\u003c\/strong\u003e total funding target\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat changes cost\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eAdd rooms, raise buildout cost\u003c\/li\u003e\n\u003cli\u003eAdd therapists, raise payroll runway\u003c\/li\u003e\n\u003cli\u003eAdd materials, raise startup cash\u003c\/li\u003e\n\u003cli\u003eAdd credentialing time, raise cash buffer\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eHow do you fund a speech therapy clinic?\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\n\u003cp\u003eYou fund a \u003cstrong\u003eSpeech Therapy Clinic\u003c\/strong\u003e by building lender-ready numbers first, because banks, \u003cstrong\u003eSBA\u003c\/strong\u003e lenders, and investors will want startup cost assumptions, payer mix, ramp-up timing, payroll, and cash-flow projections before they talk terms. Here’s the quick math: the model shows \u003cstrong\u003e$183,000+\u003c\/strong\u003e in CAPEX, \u003cstrong\u003e$67,400\u003c\/strong\u003e a month in payroll plus fixed overhead, and about \u003cstrong\u003e$52,080\u003c\/strong\u003e in Year 1 monthly revenue at \u003cstrong\u003e55%\u003c\/strong\u003e to \u003cstrong\u003e70%\u003c\/strong\u003e capacity, while supplies, transaction fees, marketing, and professional development can total \u003cstrong\u003e95%\u003c\/strong\u003e of revenue.\u003c\/p\u003e\n\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat lenders need\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003e$183,000+\u003c\/strong\u003e CAPEX plan\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayroll\u003c\/strong\u003e and fixed overhead\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003ePayer mix\u003c\/strong\u003e by service line\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eRamp-up timing\u003c\/strong\u003e by month\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch3\u003eWhat the model must show\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003e\n\u003cstrong\u003eWorking capital\u003c\/strong\u003e runway\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCredentialing lag\u003c\/strong\u003e risk\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCancellations\u003c\/strong\u003e and no-shows\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eReimbursement delay\u003c\/strong\u003e coverage\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCalculate Fuding Needs\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-summary-static\" aria-label=\"Speech Therapy Clinic Startup Cost Summary\" data-locale=\"en-US\" data-currency=\"USD\" data-default-scenario=\"base\" data-export-filename=\"Speech Therapy Clinic Startup Cost Summary.xlsx\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Speech Therapy Clinic Startup Cost Summary\" data-source-url=\"\"\u003e\u003cdiv class=\"fml-summary-static-card\"\u003e\n\u003cheader class=\"fml-summary-static-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-summary-static-eyebrow\"\u003eStartup Cost Summary\u003c\/p\u003e\n\u003cp class=\"fml-summary-static-description\"\u003eThis table separates clinic setup CAPEX from opening cash needs for a speech therapy clinic.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-actions\"\u003e\n\u003cdiv class=\"fml-summary-static-scenarios\" aria-label=\"Highlight scenario\"\u003e\n\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"low\"\u003eLow\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario is-active\" type=\"button\" data-scenario=\"base\"\u003eBase\u003c\/button\u003e\u003cbutton class=\"fml-summary-static-scenario\" type=\"button\" data-scenario=\"high\"\u003eHigh\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"fml-summary-static-export\" type=\"button\" data-summary-export\u003eEXPORT XLSX\u003c\/button\u003e\n\u003c\/div\u003e\u003c\/header\u003e\u003csection class=\"fml-summary-static-metrics\" aria-live=\"polite\"\u003e\u003cdiv class=\"fml-summary-static-metric is-primary\"\u003e\n\u003cspan\u003eHighlighted CAPEX\u003c\/span\u003e\u003cstrong data-summary-metric=\"capex\"\u003e$173,000\u003c\/strong\u003e\u003csmall data-summary-metric=\"scenario\"\u003eBase planning example\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric is-warning\"\u003e\n\u003cspan\u003eExcluded cash needs\u003c\/span\u003e\u003cstrong data-summary-metric=\"working\"\u003e$4,000\u003c\/strong\u003e\u003csmall\u003eOutside CAPEX total\u003c\/small\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-summary-static-metric\"\u003e\n\u003cspan\u003eFunding need\u003c\/span\u003e\u003cstrong data-summary-metric=\"funding\"\u003e$177,000\u003c\/strong\u003e\u003csmall\u003eCAPEX + excluded cash needs\u003c\/small\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cdiv class=\"fml-summary-static-table-wrap\"\u003e\u003ctable class=\"fml-summary-static-table\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth scope=\"col\"\u003eCost Category\u003c\/th\u003e\n\u003cth scope=\"col\" class=\"fml-summary-static-estimate-header\" data-summary-estimate-header\u003eBase Estimate\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eMain Cost Driver\u003c\/th\u003e\n\u003cth scope=\"col\"\u003eCAPEX Calculator\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-summary-row data-low=\"60000\" data-base=\"75000\" data-high=\"95000\" data-capex=\"true\"\u003e\n\u003ctd\u003eClinic Build-out \u0026amp; Renovation\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$75,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eLandlord condition and room count\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"32000\" data-base=\"40000\" data-high=\"50000\" data-capex=\"true\"\u003e\n\u003ctd\u003eSpecialized Therapy Equipment\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$40,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eTherapist mix and clinical spec\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"20000\" data-base=\"25000\" data-high=\"32000\" data-capex=\"true\"\u003e\n\u003ctd\u003eDiagnostic Assessment Kits\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$25,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eAssessment volume and testing depth\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"15000\" data-base=\"18000\" data-high=\"24000\" data-capex=\"true\"\u003e\n\u003ctd\u003eIT Infrastructure \u0026amp; Computers\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$18,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eDevice count and network setup\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-summary-row data-low=\"12000\" data-base=\"15000\" data-high=\"20000\" data-capex=\"true\"\u003e\n\u003ctd\u003eOffice Furniture \u0026amp; Decor\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$15,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003eRoom count and finish level\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill\"\u003eYes\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr class=\"is-excluded\" data-summary-row data-low=\"3000\" data-base=\"4000\" data-high=\"6000\" data-capex=\"false\"\u003e\n\u003ctd\u003eOperating Reserve\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-estimate\" data-summary-value\u003e$4,000\u003c\/td\u003e\n\u003ctd class=\"fml-summary-static-driver\"\u003ePayer lag and payroll timing before breakeven\u003c\/td\u003e\n\u003ctd\u003e\u003cspan class=\"fml-summary-static-pill is-no\"\u003eNo\u003c\/span\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cfooter class=\"fml-summary-static-note\"\u003e\u003cspan class=\"fml-summary-static-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e Ranges reflect researched planning assumptions; non-CAPEX excludes debt service, owner draw, taxes, and benefits.\u003c\/p\u003e\u003c\/footer\u003e\n\u003c\/div\u003e\u003c\/section\u003e\u003cbr\u003e\n\n\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eSpeech Therapy Clinic Core Five Startup Costs\u003c\/span\u003e\u003c\/h2\u003e\u003cbr\u003e\u003cbr\u003e\n\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eFacility Setup And Leasehold Improvements Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eBuildout Budget\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eSet aside \u003cstrong\u003e$75,000\u003c\/strong\u003e across \u003cstrong\u003eMonths 1-3\u003c\/strong\u003e for clinic buildout and leasehold improvements. That covers treatment rooms, reception, waiting space, therapy storage, child-safe finishes, adult access, flooring, sound control, signage, lighting, and a landlord-ready finish. Keep \u003cstrong\u003e$5,000 monthly rent\u003c\/strong\u003e separate unless your model capitalizes the deposit.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eSizing Inputs\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis is the shell-to-clinic conversion. Price it from \u003cstrong\u003esquare footage\u003c\/strong\u003e, \u003cstrong\u003eroom count\u003c\/strong\u003e, landlord allowance, permit scope, furniture scope, and sound-control specs. Service mix matters too: pediatric, adult neuro, fluency, voice, diagnostic, or mixed patients all change the room plan and finish level.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCount treatment rooms first\u003c\/li\u003e\n\u003cli\u003eCheck landlord allowance early\u003c\/li\u003e\n\u003cli\u003ePrice permits before signing\u003c\/li\u003e\n\u003cli\u003eMatch layout to patient mix\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eKeep It Lean\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eUse the landlord allowance first, then phase noncritical upgrades after opening. Protect quality on safety, access, and acoustics, but do not overbuild storage or décor before patient volume is clear. The usual mistake is sizing the finish-out for the ideal clinic instead of the first working setup.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eBuy only room-specific furniture\u003c\/li\u003e\n\u003cli\u003eDelay cosmetic extras\u003c\/li\u003e\n\u003cli\u003eKeep acoustic spend targeted\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash Timing\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eRent deposits are \u003cstrong\u003epre-opening cash\u003c\/strong\u003e unless the model capitalizes them. With \u003cstrong\u003e$5,000 rent\u003c\/strong\u003e from \u003cstrong\u003eMonth 1 through Month 60\u003c\/strong\u003e, lease terms matter as much as the buildout budget. Ask whether deposits, tenant improvements, and any required return to landlord-ready condition are paid up front or spread into startup funding.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eClinical Equipment And Therapy Materials Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eCost split\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBudget \u003cstrong\u003e$65,000\u003c\/strong\u003e for launch materials: \u003cstrong\u003e$40,000\u003c\/strong\u003e in specialized therapy equipment from \u003cstrong\u003eMonth 2 to Month 4\u003c\/strong\u003e and \u003cstrong\u003e$25,000\u003c\/strong\u003e in diagnostic assessment kits from \u003cstrong\u003eMonth 3 to Month 5\u003c\/strong\u003e. That covers standardized test kits, mirrors, oral-motor tools, toys, books, articulation cards, language materials, storage, and optional augmentative and alternative communication demo resources when clinically relevant.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eEstimate it\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eSize this cost from quotes, room count, and duplicate sets. The main inputs are age mix, service mix, and how many speech-language pathologists need the same tools at once. Here’s the quick math: unit count × unit price, plus replacement spares. Ongoing supplies are modeled at \u003cstrong\u003e20% of Year 1 revenue\u003c\/strong\u003e.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eCount rooms needing duplicates\u003c\/li\u003e\n\u003cli\u003ePrice each kit separately\u003c\/li\u003e\n\u003cli\u003ePlan for replacements\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eKeep it lean\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuy the core set first, then add extras after patient mix is clear. Avoid overbuying toys, books, and cards for rooms that stay underused. Shared inventory can cut waste, but keep enough duplicate materials for busy rooms. By \u003cstrong\u003eYear 5\u003c\/strong\u003e, the model drops ongoing supplies to \u003cstrong\u003e15%\u003c\/strong\u003e of revenue.\u003c\/p\u003e\n\u003cul class=\"lst_crct_blog\"\u003e\n\u003cli\u003eStage purchases by month\u003c\/li\u003e\n\u003cli\u003eShare safe materials across rooms\u003c\/li\u003e\n\u003cli\u003eTrack breakage and reorders\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eScale rule\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eSet the first order around the actual schedule, not the ideal one. If pediatric, adult neuro, fluency, and voice services all run at once, duplicate kits rise fast. If one clinician covers most sessions, the same stock can go farther. What this estimate hides: room turnover speed and how often materials need replacement.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eTechnology, EHR, Billing, And Teletherapy Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eHardware CAPEX\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003e\u003cstrong\u003e$18,000\u003c\/strong\u003e in Month \u003cstrong\u003e1\u003c\/strong\u003e through Month \u003cstrong\u003e2\u003c\/strong\u003e covers the one-time tech setup: computers or tablets, secure internet, phones, telehealth tools, data backup, access controls, and HIPAA-related setup. Keep this separate from software so the startup budget shows real cash needed before visits begin. If EHR setup or customization is budgeted, put it on its own line.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eMonthly Software\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eRecurring tech is \u003cstrong\u003e$700 per month\u003c\/strong\u003e for the EHR base subscription plus \u003cstrong\u003e$1,000 per month\u003c\/strong\u003e for IT support and general software. That budget covers scheduling, documentation, billing, payment processing, telehealth, and routine support. Simple rule: monthly run rate is \u003cstrong\u003e$1,700\u003c\/strong\u003e before any billing transaction fees.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eBilling Fees\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eEHR billing transaction fees equal \u003cstrong\u003e15% of Year 1 revenue\u003c\/strong\u003e, so this cost moves with patient volume instead of staying flat. Here’s the quick math: fee expense = \u003cstrong\u003e0.15 × Year 1 revenue\u003c\/strong\u003e. That makes billing efficiency matter, because every missed claim or slow payment raises the real cost of collecting cash.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eControl the tech burn\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep hardware, subscriptions, and transaction fees on separate lines so you can see what is fixed and what scales with visits. Buy only the devices you need for launch, and avoid padding software seats before therapist schedules are full. One clean setup now is cheaper than messy rework later.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eLicensing, Compliance, Insurance, Legal, And Credentialing Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eWhat it covers\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThis line covers \u003cstrong\u003ebusiness formation\u003c\/strong\u003e, state professional requirements, malpractice and general liability insurance, contracts, privacy and HIPAA policies, billing compliance, payer enrollment support, and credentialing follow-up. In the model, it runs from \u003cstrong\u003eMonth 1 to Month 60\u003c\/strong\u003e, so treat it as mostly pre-opening cash plus recurring overhead, not equipment or buildout.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eMonthly run rate\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThe source model includes \u003cstrong\u003e$1,200 per month\u003c\/strong\u003e for professional liability insurance and \u003cstrong\u003e$300 per month\u003c\/strong\u003e for credentialing and licensing fees, or \u003cstrong\u003e$1,500 per month\u003c\/strong\u003e total from \u003cstrong\u003eMonth 1 through Month 60\u003c\/strong\u003e. That is \u003cstrong\u003e$18,000 per year\u003c\/strong\u003e before any state, payer, or attorney-specific charges.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eHow to size it\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eUse the clinic’s state rules, payer mix, and number of clinicians to set the budget. Here’s the quick math: more therapists mean more credentialing work, and more in-network payers mean more enrollment follow-up. If billing is outsourced, some compliance work shifts into vendor fees; if in-house, staffing and process time rise.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eHow to keep it tight\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eKeep the legal scope lean but complete: form the entity once, use standard contracts, and reuse HIPAA and billing policies across sites only after state review. Don’t skip credentialing follow-up, because slow payer setup delays cash. The main savings lever is fewer in-network payers and cleaner documentation, not cutting insurance below safe levels.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eWhat changes the estimate\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThe budget moves fast with \u003cstrong\u003estate law\u003c\/strong\u003e, \u003cstrong\u003epayer rules\u003c\/strong\u003e, and staffing count. A solo clinic with simple billing will spend less than a multi-SLP practice with several insurers. What this estimate hides: attorney fees, filing costs, and any one-time compliance setup, which can land before opening and should be planned as cash needs.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003ch3\u003e\u003cspan style=\"color: #126CFF;\"\u003eStaffing, Recruiting, And Pre-Opening Payroll Startup Expense\u003c\/span\u003e\u003c\/h3\u003e\u003cbr\u003e\n\u003cdiv class=\"card_smpl blue_card\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-colons-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003ePre-Opening Payroll\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eTreat staffing as \u003cstrong\u003epre-opening working capital\u003c\/strong\u003e, not CAPEX. This Year 1 team totals \u003cstrong\u003e$690,000\u003c\/strong\u003e, or about \u003cstrong\u003e$57,500 per month\u003c\/strong\u003e before taxes and benefits. It covers the lead SLP clinical director, pediatric, adult neuro, fluency voice, diagnostic, clinic manager, admin, and billing support before patient volume steadies.\u003c\/p\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"container_2_clmn_row\"\u003e\n\u003cdiv class=\"card_smpl_2\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-tips-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eHeadcount Math\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eBuild the budget from \u003cstrong\u003eheadcount × salary\u003c\/strong\u003e, plus months of pre-opening coverage. Use the listed pay: \u003cstrong\u003e$110,000\u003c\/strong\u003e, \u003cstrong\u003e$85,000\u003c\/strong\u003e x2, \u003cstrong\u003e$90,000\u003c\/strong\u003e, \u003cstrong\u003e$88,000\u003c\/strong\u003e, \u003cstrong\u003e$92,000\u003c\/strong\u003e, \u003cstrong\u003e$70,000\u003c\/strong\u003e, \u003cstrong\u003e$45,000\u003c\/strong\u003e, and the billing role at \u003cstrong\u003e$50,000\u003c\/strong\u003e. Add recruiting, onboarding, training, and credentialing before visits begin.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"card_smpl\"\u003e\n\u003cdiv class=\"ca\nrd_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-intro-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003eLean Hiring\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003eThe biggest savings lever is the staffing model. An owner-clinician can replace one salaried lead SLP, and assistants can help only where allowed. Start lean on nonclinical roles, but do not underfund credentialing or payer enrollment. Idle payroll is the risk; if volume ramps slowly, cash burn rises fast.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003cbr\u003e\u003cdiv class=\"card_smpl\"\u003e\u003cdiv class=\"double_border\"\u003e\n\u003cdiv class=\"card_smpl_header\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/fml_20_fml-Orange-blog-pin-icon.svg\" alt=\"Icon\" class=\"icon_how_to_use\"\u003e\u003ch4\u003e\u003cspan style=\"color: #ffffff;\"\u003eCash Timing\u003c\/span\u003e\u003c\/h4\u003e\n\u003c\/div\u003e\n\u003cp\u003ePlan cash for the first months of wages, because payroll starts before collections do. Billing lag and credentialing delays can push cash out before cash in. That is why this line belongs in launch funding and working capital, not the equipment budget.\u003c\/p\u003e\n\u003c\/div\u003e\u003c\/div\u003e\u003cbr\u003e\u003cbr\u003e\u003ch2\u003e\u003cspan style=\"color: #126CFF;\"\u003eCompare 3 Startup Cost Scenarios\u003c\/span\u003e\u003c\/h2\u003e\n\u003csection class=\"fml-scenario-table\" aria-label=\"Speech Therapy Clinic Startup Cost Scenarios\" data-site-name=\"Financial Models Lab\" data-site-url=\"https:\/\/financialmodelslab.com\" data-source-title=\"Speech Therapy Clinic Startup Cost Scenarios\" data-note-label=\"Planning note\" data-note-text=\"These ranges are researched planning assumptions from the model, not vendor quotes or exact lender terms.\"\u003e\u003cdiv class=\"fml-scenario-table-card\"\u003e\n\u003cheader class=\"fml-scenario-table-header\"\u003e\u003cdiv\u003e\n\u003cp class=\"fml-scenario-table-eyebrow\"\u003eStartup cost scenarios\u003c\/p\u003e\n\u003cp class=\"fml-scenario-table-description\"\u003eLaunch size shifts this clinic's cash need fast. Lean keeps one owner-clinician room and lower working capital; Base matches the model's 6 SLP FTE; Full adds rooms, staff, and more pre-opening spend.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-actions\"\u003e\u003cbutton class=\"fml-scenario-table-export\" type=\"button\" data-scenario-export\u003eEXPORT XLSX\u003c\/button\u003e\u003c\/div\u003e\u003c\/header\u003e\u003cdiv class=\"fml-scenario-table-wrap\"\u003e\u003ctable class=\"fml-scenario-table-grid\"\u003e\n\u003ccaption\u003eLean, Base, and Full launch cost bands for a speech therapy clinic.\u003c\/caption\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth class=\"fml-scenario-table-stub\" scope=\"col\" data-export-value=\"Scenario\"\u003eScenario\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Lean Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eLean Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLowest fixed risk\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Base Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eBase Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLender-ready base\u003c\/span\u003e\n\u003c\/th\u003e\n\u003cth class=\"fml-scenario-table-column\" scope=\"col\" data-export-value=\"Full Launch\"\u003e\n\u003cspan class=\"fml-scenario-column-title\"\u003eFull Launch\u003c\/span\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eGrowth-ready\u003c\/span\u003e\n\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Launch model\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-launch\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-launch-model.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eLaunch model\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Owner-clinician model with one room and a narrow start, built to test referral flow before adding staff.\"\u003eOwner-clinician model with one room and a narrow start, built to test referral flow before adding staff.\u003c\/td\u003e\n\u003ctd data-export-value=\"Multi-room clinic with the core specialty mix and enough staffing to run the model's base volumes.\"\u003eMulti-room clinic with the core specialty mix and enough staffing to run the model's base volumes.\u003c\/td\u003e\n\u003ctd data-export-value=\"Scaled clinic with more rooms, more staff, and a wider service mix from day one.\"\u003eScaled clinic with more rooms, more staff, and a wider service mix from day one.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Typical setup\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-setup\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-typical-setup.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eTypical setup\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Small office, basic reception, one set of tools, and lean pre-opening spend.\"\u003eSmall office, basic reception, one set of tools, and lean pre-opening spend.\u003c\/td\u003e\n\u003ctd data-export-value=\"Standard clinic layout, normal reception and back office, and a balanced staffing plan.\"\u003eStandard clinic layout, normal reception and back office, and a balanced staffing plan.\u003c\/td\u003e\n\u003ctd data-export-value=\"Larger clinic layout, child-friendly waiting areas, expanded reception, and more inventory and working capital.\"\u003eLarger clinic layout, child-friendly waiting areas, expanded reception, and more inventory and working capital.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Cost drivers\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-drivers\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-cost-drivers.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eCost drivers\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"One room build-out; one assessment kit set; minimal furniture; light admin help; lower working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eOne room build-out\u003c\/li\u003e\n\u003cli\u003eone assessment kit set\u003c\/li\u003e\n\u003cli\u003eminimal furniture\u003c\/li\u003e\n\u003cli\u003elight admin help\u003c\/li\u003e\n\u003cli\u003elower working capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Clinic build-out; six SLP FTE; admin and billing staff; EHR setup; standard working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eClinic build-out\u003c\/li\u003e\n\u003cli\u003esix SLP FTE\u003c\/li\u003e\n\u003cli\u003eadmin and billing staff\u003c\/li\u003e\n\u003cli\u003eEHR setup\u003c\/li\u003e\n\u003cli\u003estandard working capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003ctd data-export-value=\"Extra therapy rooms; pediatric-friendly buildout; more SLP and admin FTE; larger materials budget; higher working capital\"\u003e\u003cul class=\"fml-scenario-list\"\u003e\n\u003cli\u003eExtra therapy rooms\u003c\/li\u003e\n\u003cli\u003epediatric-friendly buildout\u003c\/li\u003e\n\u003cli\u003emore SLP and admin FTE\u003c\/li\u003e\n\u003cli\u003elarger materials budget\u003c\/li\u003e\n\u003cli\u003ehigher working capital\u003c\/li\u003e\n\u003c\/ul\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Planning range\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-range\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-planning-range.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003ePlanning range\u003c\/span\u003e\u003cspan class=\"fml-scenario-row-subtitle\"\u003eCAPEX only\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"$150,000 - $250,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$150,000 - $250,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eLow cash need\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$300,000 - $500,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$300,000 - $500,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-soft\"\u003eBankable base\u003c\/span\u003e\n\u003c\/td\u003e\n\u003ctd data-export-value=\"$500,000 - $750,000\"\u003e\n\u003cstrong class=\"fml-scenario-range\"\u003e$500,000 - $750,000\u003c\/strong\u003e\u003cspan class=\"fml-scenario-badge is-warning\"\u003eCapital heavy\u003c\/span\u003e\n\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr data-scenario-row\u003e\n\u003cth class=\"fml-scenario-row-heading\" scope=\"row\" data-export-value=\"Best fit\"\u003e\u003cspan class=\"fml-scenario-row-heading-inner\"\u003e\u003cspan class=\"fml-scenario-row-icon is-fit\" aria-hidden=\"true\"\u003e\u003cimg class=\"fml-scenario-row-icon-img\" src=\"\/cdn\/shop\/files\/scenario-best-fit.svg\" alt=\"\" loading=\"lazy\"\u003e\u003c\/span\u003e\u003cspan\u003e\u003cspan class=\"fml-scenario-row-title\"\u003eBest fit\u003c\/span\u003e\u003c\/span\u003e\u003c\/span\u003e\u003c\/th\u003e\n\u003ctd data-export-value=\"Founder testing referrals and wanting the lowest fixed risk.\"\u003eFounder testing referrals and wanting the lowest fixed risk.\u003c\/td\u003e\n\u003ctd data-export-value=\"Founder who wants a lender-ready base case and balanced growth.\"\u003eFounder who wants a lender-ready base case and balanced growth.\u003c\/td\u003e\n\u003ctd data-export-value=\"Founder planning faster growth and a bigger operating footprint.\"\u003eFounder planning faster growth and a bigger operating footprint.\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\u003c\/div\u003e\n\u003cdiv class=\"fml-scenario-table-note\"\u003e\n\u003cspan class=\"fml-scenario-table-note-icon\" aria-hidden=\"true\"\u003e!\u003c\/span\u003e\u003cp\u003e\u003cstrong\u003ePlanning note:\u003c\/strong\u003e These ranges are researched planning assumptions from the model, not vendor quotes or exact lender terms.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\u003c\/section\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49304425627891,"sku":"speech-therapy-clinic-startup-costs","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/speech-therapy-clinic-startup-costs.webp?v=1782692867","url":"https:\/\/financialmodelslab.com\/products\/speech-therapy-clinic-startup-costs","provider":"Financial Models Lab","version":"1.0","type":"link"}